Access to agricultural credit remains a critical challenge in developing countries, limiting the adoption of modern technologies essential for productivity growth. This study investigates the impact of credit access on agricultural productivity among maize producers in Benin, utilizing data from a 2016 survey conducted by the National Agricultural Research Institute of Benin. Employing an endogenous switching regression model, the analysis accounts for selection bias and unobserved heterogeneity. Results indicate that access to credit increases productivity by 40.07% per hectare and 31.97% per FCFA invested. These findings underscore the need for comprehensive policies to enhance agricultural financing and productivity.